Terms of Use
Last updated: February 28, 2026
Please read these Terms of Use carefully before using Loan Prepay Planner. By accessing or using the Service, you agree to be bound by these terms. If you do not agree, please do not use the Service.
Definitions
- Service refers to the Loan Prepay Planner website accessible at loanprepayplanner.com, including its Progressive Web App (PWA) version.
- We / Us / Our refers to the operators of Loan Prepay Planner.
- You / Your refers to the individual accessing or using the Service.
Use of the Service
Loan Prepay Planner is a free tool that helps you estimate how prepayments can affect your loan's interest and tenure. You may use the Service for personal, non-commercial purposes.
All loan data you enter is processed entirely within your browser and stored locally on your device using browser storage (localStorage). We do not collect, transmit, or store your loan details on any server.
Disclaimer - Not Financial Advice
The Service provides estimates and projections based on the data you enter. These calculations are for informational and educational purposes only and do not constitute financial, tax, legal, or investment advice.
Actual loan terms, interest calculations, prepayment penalties, and amortization schedules may vary depending on your lender, jurisdiction, and specific loan agreement. Always consult a qualified financial advisor or your lending institution before making prepayment decisions.
Offline & PWA Usage
The Service is available as a Progressive Web App and can be installed on your device for offline use. Offline functionality depends on your browser and device support for service workers. We do not guarantee that all features will work identically in offline mode.
Intellectual Property
The Service's design, branding, and original content are the intellectual property of Loan Prepay Planner. The trademarks, logos, and service marks displayed on the Service are our property and may not be used without prior written consent.
Third-Party Services
The Service uses the following third-party services, each governed by their own terms:
The Service may contain links to third-party websites. We have no control over and assume no responsibility for the content or practices of any linked sites.
Limitation of Liability
The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to accuracy, completeness, fitness for a particular purpose, or non-infringement.
To the fullest extent permitted by applicable law, we shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, the Service including any financial decisions made based on the Service's calculations.
Changes to the Service
We reserve the right to modify, suspend, or discontinue any part of the Service at any time without prior notice. The Service is currently free to use; should that change, we will clearly communicate any applicable charges before they take effect.
Changes to These Terms
We may update these Terms of Use from time to time. The updated version will be indicated by a revised "Last updated" date at the top of this page. You are advised to review these terms periodically. Continued use of the Service after changes are posted constitutes your acceptance of the revised terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in Maharashtra, India.
Contact Us
If you have any questions or suggestions about these Terms of Use, please contact us at support@loanprepayplanner.com.